feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计
- 新增极品专区发布权限、赔付方案与保险结算费率快照
- 优化首页、商品卡和个人中心的优质号主身份展示

frontend/src/stores/session.ts

@@ -36,6 +36,7 @@ export const useSessionStore = defineStore('session', {
     realnameStatus: localStorage.getItem('realname_status') || 'unknown',
     renterGrowthPoints: Number(localStorage.getItem('renter_growth_points') || 0),
     renterGrowthLevel: localStorage.getItem('renter_growth_level') || 'normal',
+    qualityOwnerStatus: localStorage.getItem('quality_owner_status') || 'none',
     _loadingMe: false, // 防止重复调用
   }),
   getters: {
@@ -44,6 +45,7 @@ export const useSessionStore = defineStore('session', {
       state.nickname || (state.phone ? `用户${state.phone.slice(-6)}` : `用户${state.userId || 0}`),
     avatarText: state => (state.nickname || state.phone || 'U').slice(0, 1),
     renterGrowthLevelName: state => renterGrowthLevelName(state.renterGrowthLevel),
+    isQualityOwner: state => state.qualityOwnerStatus === 'active',
   },
   actions: {
     async login(phone: string, code: string) {
@@ -104,6 +106,7 @@ export const useSessionStore = defineStore('session', {
       this.realnameStatus = 'unknown'
       this.renterGrowthPoints = 0
       this.renterGrowthLevel = 'normal'
+      this.qualityOwnerStatus = 'none'
       clearAuthStorage('user')
     },
     syncFromStorage() {
@@ -116,6 +119,7 @@ export const useSessionStore = defineStore('session', {
       this.realnameStatus = localStorage.getItem('realname_status') || 'unknown'
       this.renterGrowthPoints = Number(localStorage.getItem('renter_growth_points') || 0)
       this.renterGrowthLevel = localStorage.getItem('renter_growth_level') || 'normal'
+      this.qualityOwnerStatus = localStorage.getItem('quality_owner_status') || 'none'
     },
     applySession(user: AuthUser, accessToken: string, refreshToken: string) {
       this.token = accessToken
@@ -143,6 +147,8 @@ export const useSessionStore = defineStore('session', {
       localStorage.setItem('renter_growth_points', String(this.renterGrowthPoints))
       this.renterGrowthLevel = user.renter_growth_level || 'normal'
       localStorage.setItem('renter_growth_level', this.renterGrowthLevel)
+      this.qualityOwnerStatus = user.quality_owner_status || 'none'
+      localStorage.setItem('quality_owner_status', this.qualityOwnerStatus)
     },
   },
 })